Home loans we offer:
|Loan type||Benefits||Best if you...|
Conventional Fixed Rate Loan
Loan amounts over $726,200.
% Down Payment Program1
Available on conventional and ARM loans. Secure 100% financing and reduce your closing costs. Speak to a mortgage expert to see if you qualify!
Apply for a OneAZ Home Loan
Our mortgage team is ready to find the loan solution for your needs.
Speak with an experienced mortgage loan officer 24/7.
Schedule an appointment with a mortgage loan officer at your local branch.
Our Easy Homebuying Process
It’s easy to get pre-qualified for your home loan at OneAZ. Apply now online or over the phone.
Find Your New Home
With your pre-qualification, you can start searching for a home that fits your budget and let us know when you find it.
Close the Deal
Once you’ve found your new home, choose your loan terms, lock-in your rate, and close on time, guaranteed.
Why OneAZ for Home Loans?
- Members get a 0.25% Rate Discount2
- 24/7 Live Application Support
- 24-Day Closing Guarantee3
- Low fees at closing
- Local expertise – we know the Arizona market!
Meet our Mortgage Team
Questions? Let us know.
See what OneAZ members are saying about our mortgages!
OneAZ Credit Union is not responsible for the content on the ReviewTrackers and Facebook websites.
Home Lending Resources Guide
At OneAZ, we want you to have the tools and the knowledge to make confident, smart decisions about your finances.
Why Should I Get Prequalified for a Home Loan?
Learn what prequalification means and why it’s the best first step in purchasing a home.Keep Reading
7 Questions to Ask Your Mortgage Lender
Before you sit down with your mortgage lender, make sure you ask these 7 questions so you have a full and better understanding of how a mortgage works and what you can expect.Keep Reading
First Time Homebuyer? Prepare for These 7 Hidden Costs
When budgeting for your first home, here are seven often overlooked costs that can have a big impact on your bottom line.Keep Reading
All loans are subject to credit approval and program eligibility. Click here for the Nationwide Mortgage Licensing System Associate List.
1 0% Down Payment is for purchase transactions only. Minimum FICO score and Maximum debt to income (DTI) ratios are applicable; strong financial profile and excellent credit are required on this program. Additional terms and conditions may be applicable, not all individuals will qualify. Inquire about other alternative financial options.
2 Conditions apply. Rates and terms subject to change at any time. Promotional interest rate is available on purchase and refinance loans.
To qualify for .25% discount, you will need to agree to the following or have already established the following: Establish membership, Open a OneAZ checking account, Set up a monthly direct deposit of $1,000 or more and set up an auto pay for the new loan. The offer does not apply to FHA, VA or USDA mortgages.
3 24-Day Close Guarantee-Conditions apply. Terms and Conditions must be signed and acknowledged by both parties. For full details, refer to the Mortgage Closing Agreement.